Holiday Social Contracts: Landmines for the People Who Would Rather Be Reading

Every New Year’s Eve

Jake: “What do you wanna watch?”
Me: “We could watch Rudolph’s Shiny New Year.”
Jake: “I thought we were done with Christmas movies.”
Me: “That’s not a Christmas movie. It’s a New Years movie… and in seven months, we can watch Rudolph and Frosty’s Christmas in July.”

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Y’all, I love the holidays. I don’t mean that the way normal people do, either. I mean aggressively so. I love the decorations, the music, the holiday movies and episodes of my favorite TV shows. I watch and sing along to The Worst Witch and Hocus Pocus on repeat, starting in late September. I love the garishly themed jewelry and t-shirts and hats that are suddenly acceptable on October first, but I pull them out a week early, regardless.

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One of the major concessions of my marriage involved selling my six foot tall hot pink Christmas tree and decor that looked like it was stolen from the set of Babes in Toyland. No one will ever convince me that red and green M&M’s, Reese’s Bells, and Christmas Crunch cereal don’t taste better. I love the holidays so much, that I have to fight getting depressed halfway through, because they’re almost over.

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I will, however, admit that there is one aspect of the holiday season I loathe entirely… 

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… and that is the minefield of social contracts.

In my field, anyone who doesn’t consider themselves to be entirely crippled by their own introversion, is labeled an extrovert. This somewhat skewed view means that many of my coworkers consider me to be quite the social butterfly, due to my comfort level socializing with all eleven of them. They’re not entirely wrong, either. I quite enjoy my job. I spend each day with the same handful of people, whose personal stories and worldviews and interests I’ve come to know and respect. I have numerous casual interactions with customers that rarely go deeper than a reader’s advisory discussion on the abusive relationship dynamics present in Nicholas Sparks’ novels. I see the same teenagers at each program, where we discuss who would win in a battle, Doctor Who or The Hulk. Overall, as someone who always scores on the cusp of extroversion and/or introversion, I get exactly the right amount of stimulation in my position… now.

When I first started at the Cherokee Library, I was completely overwhelmed, socially. I didn’t know my coworkers’ backgrounds, religious views, entertainment interests, political affiliations, or tastes in music. If I mentioned my desire to buy a house near the local Catholic school, so I could send my kids there, would I appear judgmental to the nonbeliever? If I told my coworkers I couldn’t handle the ALA Think Tank Facebook group, because of their political hostility, would they shun me for my less liberal viewpoint? If I casually suggested that Taylor Swift lacked depth, would I devastate her biggest fan by inadvertently calling him shallow? Every night, I went home and turned over literally every interaction in my mind, wondering if I’d said the right thing, left the correct impression, presented myself accurately. It wasn’t just that I wanted to be well liked, but properly understood. It was fine with me if someone didn’t like me, as long as they didn’t like me for reasons that were valid. While taking on the new title of Teen Librarian was daunting, the social implications of starting at a new library again, left me emotionally spent. It’s been about a year and half now and I’m finally in my element, because I see these people literally every day. In short… extrovert my ass.

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So, while I love, love, love the holidays, I think I’ve finally realized that what I truly enjoy is the build up. I love sitting at home, reciting every word to Hocus Pocus, with the cat. I love watching Thanksgiving episodes of How I Met Your Mother, on my tablet, while Jake plays video games. I love listening to Christmas carols on the Google Home, while making peanut brittle in my kitchen. I love showing pictures of my Christmas decorations to my coworkers, and oohing and ahhing over photos of their pets in reindeer antlers. I love driving through Christmas lights with my husband and choosing a real tree together. What I really love is sprinkling the everyday, homebody familiar, with bright colors and lights and glitter and festivity. The grand finale, though? That stresses me the fuck out, primarily due to the aforementioned endless mandatory social contracts, such as…

Bringing a Dish

On December 22 of last year, I burst into tears when my three-ingredient peanut butter cookies tasted exactly like three-ingredient peanut butter cookies, and angrily tossed them in the trash.

Jake: “They’re fine. Why don’t you just make another batch and cook them less?”
Me: “Because they aren’t good and all the women in your family will be judging me on what I bring. If I take those after taking Oreo balls to Thanksgiving, they’ll all think I can’t cook.”
Jake: “What was wrong with the Oreo balls?”
Me: “They were a no-bake dessert. They’ll think I’m a just a Pinterest cook and they’ll all hate me, because I can’t make cookies!”

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Of course, in the end, there were plenty of desserts, too many in fact, which I knew would be the case, but social norms required I bring something.

Being in Someone Else’s Home

Why do I have to offer to help my mother-in-law in the kitchen, when we both know there’s nothing for me to do and little space in which for me to do it? Why does she have to stop what she’s doing to pretend I’m useful and let me spoon butter she’s already melted onto biscuits she’s already made? 

Why is there only bar soap in the bathroom? How many people have used this hand towel? How obvious is it that I dried my hands on the bottoms of my jeans? Will I look rude/weird if I get out my antibacterializer?

If I don’t eat these “appetizers”, am I going to hurt someone’s feelings? Can you call a bar full of cheese an appetizer? Literally, there’s queso, next to a plate full of cream cheese with cranberry sauce, two cheese balls, and a plate of sliced cheese. If I eat this, I won’t poop until Christmas.

Where do I sit? I like the chair that doesn’t require me to sit next to anyone else, but is there some unspoken familial claim to this chair? Am I in Uncle Buck’s Chair? Okay, I’ll sit on the couch by the arm and Jake can sit next to me. Why doesn’t he ever sit down? He’s been pacing for the last 30 minutes. I’m like 80% sure he’s forgotten I’m here. Wait. Is anyone else sitting down? Should I be standing? But… I don’t want to lose my couch corner.

Gift Giving

Zetus lapetus, y’all, I do not get gift giving. I’m 31 years old. I make $50,000 a year, in one of the cheapest states in the country. If I want something, I can buy it. If I can’t, no one else can, either. So what is the damn point of gift giving? Why do I have to spend $20 to buy a gift for someone that they might like, just so they can spend $20 to buy a gift for me that I, quite frankly, probably won’t like, and pretend that we’ve done some sort of charitable service, when both of us had $20 to spare in the first place? A couple of greedy, materialistic, little bitches trading twenties is, in no way, symbolic of the gifts the wise men brought to baby Jesus. If anything, we should just all donate that $20 to give Christmas to a family down on their luck or buy toys for children with incarcerated parents or purchase a goat for a family in a third world country or literally any better cause. If I want to do those things, though, it has to be in addition to trading twenties, which just makes the holidays more costly and stressful. I can sort of understand close family trading gifts, knowing the recipients will enjoy them, but why, oh why do the women in my family draw names for each other’s children and trade advice on what to buy them, when they could just all spend money on their own children, whose interests and wants they already know?!?!

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Don’t even get me started on Dirty Santa, where I’m supposed to spend $40 on a gift for no one, so I can stress myself out by over-analyzing the social etiquette of stealing home decor from my mother-in-law or leave in frustration when I contribute a gift I kind of like and open a bowl of decorative wicker balls and a diabetic cookbook. If I refuse to play, I’m anti-social and if I bring a gift I’d truly enjoy, I’m the weird one who brought the Spock Bluetooth speaker to Christmas. If we must all leave with gifts, why can’t we each spend $40 on something for ourselves and open them in a big circle with genuine delight? I don’t understand.

Talking to Children

I’m a woman and a librarian, so it’s just assumed that I like children. I don’t. I don’t like babies. They’re fragile and they’re always leaking and it’s inevitable that they’ll start screaming like a newborn banshee and I won’t be able to find the mother. I don’t like little kids. I don’t have the patience or the sense of humor for them. Why are you still telling me this story that I think is about Spongebob? Why did you choose me to tell? Am I sending off pro-child vibes, because I work very hard to maintain subtle anti-child vibes. Why are you making that face? Was I not supposed to ask that? Fuck, don’t cry and get me in trouble.

Give me tweens and teens any day, but the holidays inevitably mean someone will leave me alone with a small child and I will make them cry or tell them something I shouldn’t. Someone will ask when I’m having children and I’ll either sputter through an awkward, but appropriate, answer or make a wildly inappropriate joke about how I can’t get pregnant the way we do it. The build up to the holidays does not necessarily mean associating with children, but the holidays themselves are crawling with them. Yes, yes, Jake and I are planning on having our own children soon, but that’s different, because it has to be or no one would procreate. I’ll figure out children when I must.

Talking to Adults

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I love my family. I do… but we do not get each other. I don’t mean that in some sort of coming of age drama way, either. We’re just very different people; or rather, they’re all the same people and I’m very different. My aunts, uncles, and cousins love body humor, the occasional racist joke, maybe something about killing a cat and I just don’t get it.

Jake: ::talking about our Christmas tree:: “When we get home, I’ll take it in the back.”
Me: ::giggling uncontrollably::

Jake jokes that I’m randomly an 8th grade boy sometimes, likely because I spend so much time with 8th grade boys, but the humor is all relatively innocent and is very rarely gross or cruel. I don’t understand why poop is funny and I understand even less why comparing our former president to a monkey is funny. I was genuinely horrified to hear my dad’s cousin giggle over the news story of the teenage boys who were arrested for sexually assaulting their teammate with a pool cue, last year, because apparently rape by instrumentation is funny if it’s done to a boy. Fortunately, my public school administrator uncle was just as appalled and I wasn’t the only one seemingly lacking a sense of humor. My humor is very dry and my family rarely even gets that I’m joking. When it’s not, it’s usually comprised of dorky and innocent puns, which they also don’t appreciate.

These people frequently tell me that they can’t have a conversation with me, because I’m too smart… which they think is a compliment. Conversationally, I’m just extremely intellectually curious. I like to theorize about the average age of parents who shake their babies, the effect of commonplace Photoshop on the children we’re “fixing” when they become adults, how technology is contributing to pornography addiction in teens and apparently, none of this is Christmas talk. I have one or two cousins who seemingly enjoy these discussions, but we’re not the norm. Even my fashion sense is completely off base. They’re Miranda Lambert to my Zooey Deschanel. They wear National Lampoon’s Christmas Vacation t-shirts, while I bite my tongue about how much I hate that movie, in my giant hand-crocheted Christmas tree hat and my Meowy Christmas cat shirt. None of us is wrong. We just don’t really fit… and also, they’re wrong and that movie is stupid.

Jake’s family has been nothing but kind to me, but if I thought I don’t fit with my family, goodness I have no idea how to talk to those people. Last December 23rd, at his big family Christmas, Jake must have pulled me aside three different times to ask if I was okay, because I’d hardly said anything, but it was just so much people and we have nothing in common. I don’t have kids. I don’t understand the appeal of rodeo. I’ve never castrated a bull. I don’t want to look at the dead mountain lion in my brother-in-law’s truck. I don’t fry stuff. I am so not playing in the family Thanksgiving basketball game, because that sounds like literal Hell.I will get yelled at and have an asthma attack and/or break a bone.What the fuck am I supposed to say to these people?!?! Trust me, baby, you want me to keep my mouth shut this year, because if pressed, I will randomly start talking about the lack of  diversity in the Harry Potter books or why marijuana is not a gateway drug and the benefits of legalization. Just let me be a mystery, dude. Jake, of course, being the most extroverted person on the planet, fits in everywhere.

Me: “I wish I fit in with your family as well as you fit in with my family… actually I wish I fit in with my family and much as you fit in with my family.”

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Elf on the Shelf and Santa Claus

I have always hated Elf on the Shelf. At best, it was a brilliant marketing ploy, by its creator, who has sold over 11 million book and doll sets, which doesn’t even account for the new line of accessories.* For most people, however, it’s a slightly creepy self-imposed chore of a tradition, which many parents regret ever starting. I knew, when it became popular, that I wouldn’t be purchasing an Elf for my own children. I’m even more certain of that fact 13 years later, as I watch my family and friends scramble around to perform for their children nightly, for the duration of a season that’s supposed to already be plenty magical by nature. Speaking of which…

I used to be one of the masses, the people who thought parents who didn’t play Santa were ridiculous and depriving their children of the magic of Christmas, but as time has gone by, I don’t really understand why we do this. If you’re a religious person, as I am, then why do you need to add magic to the season with a cartoon character? Yes, yes, Saint Nicholas was a real guy, but the modern depiction of Santa Claus no more resembles Saint Nicholas than Disney’s Pocahontas does the historical woman. We’re not honoring a Saint, anymore… and quite frankly, Protestants never were, because they don’t acknowledge sainthood. We’re revering a caricature, who often overshadows the true Christian value of the season, ironically through the very un-Christ-like means of greed and materialism. If you’re specifically nonreligious, shouldn’t you be opposed to such fairy tales? Isn’t that one of the primary principles of Atheism, that one shouldn’t have faith in what cannot be seen or proven? Doesn’t the modern Santa Claus directly defy both of these belief systems? Isn’t this entirely appropriate conversation for Christmas dinner?!?! Can I please just go home and only talk to my husband and my pets now?!?!

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Sources
https://www.today.com/series/holidays-made-easy/elf-shelf-turns-10-secret-history-santa-s-little-scout-t62531

I am a millennial. I am not drowning in my student loan debt.

In 2006, just months after graduating from high school, I stood in line for an hour at my university’s financial aid department, waiting to digitally sign a promissory note, stating… well, I don’t actually remember that part, because I was 18 and I didn’t read it. Legally, I wasn’t able to drink alcohol, own a gun, gamble in a casino, or run for public office, but I was allowed to take out tens of thousands of dollars in student loan debt… per semester… and they just trusted that I’d read the fine print.

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From 18-25, I went through the same annual process, spending approximately 45 minutes filling out paperwork, declaring that I understood what I was doing and the conditions thereof, in exchange for a direct deposit of thousands of dollars… wait for it… post-tuition. Despite the fact that “longitudinal neuroimaging studies demonstrate that the adolescent brain continues to mature well into the 20s,”* and the fact that it’s against federal law for a credit card company to give a card to anyone under 21, without steady income or a cosigner*, I was sixty thousand dollars in debt to the federal government, when I received my bachelor’s degree four years later. What was my desired career field, you might ask? Did I want to be a lawyer, a doctor, an engineer? Nope. I wanted to be a home-ec teacher.

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Plenty of research has already proven that the human brain hasn’t fully matured until age 25, when the prefrontal cortex has fully developed.* This is not new information, either. The very fact that you must be 25, 30, and 35 to run for the House of Representatives, U.S. Senate, and the Presidency, defends the point that the federal government has long been fully and accurately aware of the immaturity found in most 18-25-year-olds. Recent neuroscience simply backs up that decision. The government is offering a terrible deal to college students… and judging by the articles in my Google feed, it’s become pretty common knowledge.

Just this week, I’ve read about how Maine will offset the cost of student loans, through tax cuts, in an attempt to entice a younger population to relocate to the aging state. Several articles report that saving for retirement, buying a home, and having children are just a few of the major milestones being delayed by thirty-somethings “drowning” in student loan debt. To add insult to injury, Twitter is apparently full of Millennials, pissed at Hasbro for Millennial Monopoly’s blatant failure to capture their plight… which should surprise absolutely no one, when the company itself is run by a baby boomer, who brings in $7,000,000 annually. It’s everywhere, y’all… this news that student loan debt is ruining our lives!

Except, if we’re discussing federal student loans… they shouldn’t be, because our student loan system is a dreadful model, not just for borrowers, but for the federal government and by extension, the tax payers. When I finished my bachelor’s degree, only to find there were no teaching jobs available, I was able to immediately enter graduate school, extending my borrowing period by another three years… still three more shy of the 10 year cap. As was the case four years earlier, my major and intended field had no bearing on how much I was able to borrow. I chose librarianship, a field rarely more lucrative than teaching and much harder to break into, and the payout was another sixty thousand dollars in debt.

Why did I borrow so much? Well, not only was I going to school, during all those years, I was also going through some pretty weighty personal crises. Married at 19, I suffered a house fire less than a year later, an eviction and a total of ten moves in the next two years, a sociopathic partner who refused to work, a miscarriage, the death of my best friend’s infant daughter, and finally, a divorce… just as I entered grad school. After all that, a good portion of it was spent consolidating my debt; because, I did start thinking about the long term financial implications of borrowing so much, when my life settled down a bit, at 23.. I worked two jobs and took online classes, but graduate hours were so much more expensive than my undergrad hours, that each year I told myself it would be the last time I accepted the max… and it never was, until my last semester, at 25… the age when modern science says my brain had finally matured.

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Perhaps I’m fortunate to have been in school until the full development of my prefrontal cortex, because when I totaled my student loans and realized where I’d be after graduation, I started doing my research. For two years, I read up on debt consolidation and forgiveness programs like it was another course… which it should have been, because there was a lot of information out there. So, when I graduated at 25, I was prepared… fortunately, because the surprise semester that followed the failure of my graduate portfolio presentation ate up the six month grace period for repayment. I had approximately two months to send in all of my loan information for consolidation under an Income Based Repayment program, because they wouldn’t qualify if they were in default. Prior to consolidation, just two of my loans would’ve added up to $1,900 a month.

Once I was accepted for the IBR program, however, my monthly payments were $0. Working half time at the library and substitute teaching simply didn’t provide enough discretionary income to require a minimum payment. The following year, it only went up to $40. Only when I became a full time librarian was I expected to make a substantial payment, of about $300 a month… which went down when my family size increased with marriage and will go down again with each child we have. If I was drowning in anything, it was my private student loans, not my federal ones, which doesn’t seem to be the dominant complaint. Even so, my struggle with these was less about the monthly payment and more about the lack of impact, considering the interest rate. While my federal loans were also accumulating interest, I was able to sign up for Public Service Loan Forgiveness.

You see, because I’m working as a public librarian, a lower paying position than many in the private sector, providing much needed services to the community, the government has struck a deal with me. If I work in public service for 10 years and make 120 qualifying payments, I can apply to have the remainder of my debt forgiven, tax free. While there are plenty of fear mongers writing narratives about how this won’t actually happen, there’s no research to actually back that up. Even the current administration has only suggested closing the doors on the program, not pulling the rug out from everyone already enrolled. In fact, I’ve actually already been grandfathered into my repayment program, as it only considers my income and the current ones consider the income of the entire household.

While many of those who have applied for forgiveness report being denied, it’s simply because they didn’t do their research or were given the wrong information, having enrolled in the program early. There is a catch to PSLF, in addition to a lower paying job: annual paperwork. Every year, I recertify my income for the IBR and my employment for verification that it qualifies. In exchange, I get an update on the number of eligible payments I’ve made, all but canceling out any chance that I’ll make the aforementioned mistakes.

Now, plenty of Millenials, with outstanding student loan debt, work in positions that don’t qualify for PSLF. The ones with smaller totals are paying them off as quickly as they can, to avoid interest charges and that’s undoubtedly the best approach. The rest, however, have their own option under an IBR, which is to apply for forgiveness after 20/25 years of payments, depending on when they signed up and under which program. This, however, is not tax free. That’s the only catch, beyond paying on these loans for so long.

Is this good for the federal government, for tax payers? Fuck no. This is a wretched, absolutely unsustainable model. Canceling PSLF seems like an obvious choice to some, but the core reasons are still valid. If there’s no incentive to do so, few lawyers and doctors will work in low paying public service jobs. Rural and poor urban areas won’t have teachers or librarians, the latter of which requires a master’s degree. Few will even enter into careers as police officers and EMT’s. Should all of these positions require advanced degrees? Absolutely not. Higher education, in many ways, is a total scam… but it’s a scam we’re still supporting in this country. While I hope to see more emphasis placed on technical degrees and apprenticeships and on-the-job training, more companies demanding applicants show them what they can do, as opposed to who taught them, we’re not there yet. I had to have my degree to do my job, a job I not only love and am lucky to be well-compensated for in my field, but one that makes a huge difference in the community.

I didn’t break any rules taking out my loans to get my degree and I’m not breaking any rules with my plans to receive loan forgiveness for working in my position. That doesn’t mean we don’t need to change the rules and prevent people from getting into these situations in the first place. We shouldn’t be giving teenagers tens of thousands of dollars to major in journalism or literature or education. We shouldn’t be letting people borrow for 10 years, if they’re not going into fields that can repay the debt. We shouldn’t be giving out thousands in direct deposits, after paying the schools, because my personal crises shouldn’t have been covered by the federal government. Some would say the government shouldn’t even be involved and private banks should have to compete for borrowers and choose what fields they invest their funds. Whatever the solution, students, the government, and tax payers are all getting screwed under this system, unquestionably. The only entity coming out on top is the universities, because as many economists agree, the reason tuition costs have risen so much is that colleges know their students can secure the funds through the federal government. Hopefully, future generations will boycott these institutions.

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In the meantime, though, no one should be “drowning” in federal student loan debt. If it’s that bad, follow these links, get out of default, do the paperwork to consolidate and get into an Income Based Repayment plan. Don’t be more the victim of this terrible system than you already have to be as an American tax payer. Take advantage of the fact that our truly fucking awful student loan system does favor the borrower, in some ways… while it still does.

PSLF – https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service

PSLF application – https://studentaid.ed.gov/sa/sites/default/files/public-service-application-for-forgiveness.pdf

Income Driven Plan information – https://studentloans.gov/myDirectLoan/ibrInstructions.action
Citations

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2892678/

https://www.thebalance.com/credit-card-companies-love-college-students-960090

https://www.urmc.rochester.edu/encyclopedia/content.aspx?ContentTypeID=1&ContentID=3051

https://www.businessinsider.com/age-brain-matures-at-everything-2017-11